Dan Kaercher

Dan Kaercher

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Closed

$865,000

($566,308 down)
FHA

536 12th Street, Ramona, CA 92065

5
4
1,234 sqft
PITI Monthly
$2,982.56 /mo

Listing courtesy of: Nicholas Deseno, MJN Real Estate, Inc

Assumed Rate

4.27%
7.15%

Principal & Interest

$1,631 /mo
$2,233 /mo

What's Special

SERENE
DINING
MODERN
FIREPLACE
DECK

An amazing Craftsman style home nestled in beautiful, serene Ramona. This large property spans .33 acres and features three distinct homes, with multi generational or rental opportunities. The main residence is 1600 sq. ft. with 3 bedrooms and 1 bath, living room, fireplace, dining area in the kitchen, nice cabinets and newer appliances + a covered back deck for entertaining and leads to the fenced back yard. The owner has separated the primary house to make it an in-law suite with its own separate entrance. (can easily be converted back to the 3br/2ba main house if someone wanted). Studio on the property with a small fenced in yard. The rear unit is a 2br/1ba home with kitchen, laundry, large deck off the kitchen, yard is fenced. The property is fully fenced, with a paved driveway. More property behind the back unit, fully fenced, C-train included in sale. Property has 1 electric meter, 1 water meter, and a sewer. Overall property is a perfect tranquil setting for those seeking a rural lifestyle with modern comfort.

... Show more

Assumption Snapshot

Type of Loan
FHA
Interest Rate
4.27
Remaining Loan Term
24 years, 2 months
Monthly PITI
$2,982.56/mo
Estimated Loan Balance
$315,943
Cash to close
$566,308
Interest Paid
$78,133

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 5
  • Bathrooms: 4
Cooling & Heating
  • Cooling: CentralAir, Electric, WallWindowUnits
  • Heating: Unknown
Features
  • Materials: Unknown
  • Community: Unknown
  • Has Fireplace: Yes
  • Fireplace Features: LivingRoom
  • Flooring: Unknown

Exterior

Fencing
  • Fencing: Unknown
Roof
  • Roof: Composition
Parking
  • Garage: No
  • Garage Spaces: 0
  • Carport: No
  • Carport Spaces:
Water
  • Sewer: Unknown
  • Water Source: Unknown
Pool
  • Has Pool: No
  • Pool Features: None

Construction

Type & Style
  • Stories: 1
  • Home type: SingleFamilyResidence
  • Architectural Style: Unknown
Materials
  • Unknown
  • Roof: Composition
Condition
  • Year Built: 1947
Details
  • Builder:

Community & HOA

Community
  • Subdivision:
  • Features: StreetLights
HOA
  • Has HOA: No
Location
  • Region: Ramona

Financial Details

  • Price per Sqft: $700.97
  • Tax Annual Amount: $10812.5
  • On Market Date: 2024-05-01T00:00:00.000Z
Inquire about this property

We will reach out to you with more details

Apply to Assume

Fill out an application to explore financing options for assuming this loan.

Apply now

Savings Calculator

Current cash to close is $566,308 (65%)
You can enter any amount below - secondary financing will cover the difference if needed.
65%
$

You cover the entire equity of $566,308!

Enter a smaller amount if you prefer to use secondary financing.

Loan Breakdown

Assumed Mortgage4.27% Sellers Rate
$298,692
Your Cash:$566,308
Total Purchase Price:$865,000

Assumed vs Traditional Mortgage

Assumed @ 4.27%
$1,631/mo
Traditional @ 7.5%
$2,317/mo
You save $686/month ($8,233/year)

*Secondary financing rates are an estimated value based on input

MLS ID: NDP2403689

Listing From:

Last updated: 2024-08-28T19:11:09.000Z

© , CRMLS. All rights reserved. Information deemed to be reliable but not guaranteed. The data relating to real estate for sale on this website comes in part from the Broker Reciprocity Program. Listing broker has attempted to offer accurate data, but buyers are advised to confirm all items. IDX information is provided exclusively for consumers’ personal, non-commercial use and that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed to be accurate. Listing information updated daily.

Assumed Rate

4.27%
7.15%

Principal & Interest

$1,631 /mo
$2,233 /mo
Inquire about this property

We will reach out to you with more details

Apply to Assume

Fill out an application to explore financing options for assuming this loan.

Apply now

Savings Calculator

Current cash to close is $566,308 (65%)
You can enter any amount below - secondary financing will cover the difference if needed.
65%
$

You cover the entire equity of $566,308!

Enter a smaller amount if you prefer to use secondary financing.

Loan Breakdown

Assumed Mortgage4.27% Sellers Rate
$298,692
Your Cash:$566,308
Total Purchase Price:$865,000

Assumed vs Traditional Mortgage

Assumed @ 4.27%
$1,631/mo
Traditional @ 7.5%
$2,317/mo
You save $686/month ($8,233/year)

*Secondary financing rates are an estimated value based on input

Follow Us
Your Home Sold Guaranteed Realty
Agent/Broker
Dan KaercherYour Home Sold Guaranteed Realty(480) 202-1789Dankaercher@state48livin.comMLS SA677983000

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